[ DO NOT PUBLISH] 

## In the 

# United States Court of Appeals For the Eleventh Circuit

____________________
No. 23

- 10101

Non

- Argument Calendar

____________________
ROBERT L. BELAIR, Individually, LORI N. BELAIR, Individually,
Plaintiffs

- Appellants,

versus HOLIDAY INN CLUB VACATIONS INCORPORATED, a foreign for

- profit corporation, f.k.a. Orange Lake Country Club, Inc.,

Defendant

- Appellee. USCA11 Case: 23-10101 Document: 38-1 Date Filed: 07/18/2024 Page: 1 of 42 Opinion of the Court 23

- 10101

____________________ Appeal from the United States District Court for the Middle District of Florida D.C. Docket No. 6:21

- cv

- 00165

- WWB

- DCI

____________________
Before R OSENBAUM , J ILL P RYOR , and B RASHER , Circuit Judges.

PER CURIAM : This appeal requires us to apply our recent decision in Holden v. Holiday Inn Club Vacations Inc. , 98 F.4th 1359 (11th Cir. 2024)
, to Lori and Robert Belair’s timeshare agreement with Holiday Inn Club. We conclude that under Holden , the district court

corr ectly granted Holiday’s motion for summary judgment because the alleged inaccuracy was not objectively and readily verifiable. Accordingly, we affirm.

I.

The facts in Holden mirror the facts at issue here. Both sets of plaintiffs entered into their timeshare agreements and financed their purchases through Holiday

. The agreements stated that the transaction would not close until the purchaser provided a certain number of monthly installment payments

— here, twelve months

— and Holiday recorded the deed in the purchaser’s name. See Holden , 98 F.4th at 1363. The agreements also contained a provision that provided, in relevant part, that upon the purchaser’s USCA11 Case: 23-10101 Document: 38-1 Date Filed: 07/18/2024 Page: 2 of 423

- 10101 Opinion of the Court 3
default, “the partie s hereto shall be relieved from all obligations hereunder.” Id. at 1363

– 64. The Belairs paid the first twelve months of monthly installments. Then, like the plaintiffs in Holden , the Belairs defaulted and believed the agreement was canceled . After learnin g that Holiday reported the remaining debt to Experian, a credit reporting agency, the Belairs sent letters to both entities contesting the debt. Holiday certified that the information was accurate

. Consequently, t he Belairs filed a lawsuit under the Fair Credit Reporting Act, 15 U.S.C. § 1681s

- 2 , alleging that Holiday inaccurately reported the debt and failed to reasonably investigate the alleged inaccuracy.The district court granted Holiday’s motion for summary judgment, concluding that the FCRA permits claims based on factual disputes, not legal ones. The Belairs timely appealed.

II.
A grant of summary judgment is reviewed de novo

. Id. at 1365. A district court properly grants summary judgment “if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Brown v. Nexus Bus. Sols., LLC , 29 F.4th 1315, 1317 (11th Cir. 2022).

III.
The district court was correct to grant Holiday’s motion for summary judgment, albeit for a different reason

. “Whether the alleged inaccuracy is factual or legal is beside the point. Instead, what matters is whether the alleged inaccuracy was objectively and USCA11 Case: 23-10101 Document: 38-1 Date Filed: 07/18/2024 Page: 3 of 44 Opinion of the Court 23

- 10101
readily verifiable.” Holden
, 98 F.4th at 1363. To succeed on their FRCA claim, the Belairs must establish two things: (1) they must “identify inaccurate or incomplete information that the furnisher provided to the reporting agency,” and (2) they “must point out some facts the furnisher could have uncovered that establish that the reported information was, in fact, inaccurate
, ” rendering the furnisher’s investigation unreasonable. Id. at 1367 (cleaned up).

T he information the Belairs alleged to be inaccurate “is notobjectively and readily verifiable because it stems from a contractual dispute without a straightforward answer.” Id. at 1368. Because the same contract is at issue here as in Holden , we conclude that the resolution of the “contract dispute is not a straightforward application of law to facts.” Id. But t he Belairs “are not without recourse”

— they can still seek a declaration from a court that they no longer owe the timeshare debt. See id ; see also Milgram v. Chase Bank USA, N.A. , 72 F.4th 1212, 1221

– 22 (11th Cir. 2023) (Rosenbaum, J., concurring). “With that declaration in hand, [a consumer] would have a much stronger cudgel with which to force a furnisher to stop reporting [a] debt to a reporting agency.” Holden , 98 F.4th at 1369 (quoting Milgram , 7 2 F.4th at 1222). We therefore concludethat the district court correctly granted Holiday’s motion for summary judgment.

IV.

AFFIRMED. USCA11 Case: 23-10101 Document: 38-1 Date Filed: 07/18/2024 Page: 4 of 4